Housing loan records (including residential and commercial properties under the name of family members (husband and wife))

If you have a mortgage loan, the loan balance (previous and existing housing loans) has been fully settled, and you buy housing or commercial real estate again, it will be implemented according to the local real estate market regulation measures and the first set of housing standards, and the loan interest rate will mainly fluctuate according to the latest banking standards;

If there is a mortgage loan, if the loan is not settled, and there are two sets of housing loans, the mortgage loan procedures will be stopped, which is also a part of the standard of real estate loan restriction (third set of housing loans) policy;

If there is no mortgage, go through the formalities of buying a house loan normally and follow the latest loan policy.

Bank loan ratio

According to the situation of property buyers for approval.

Single buyers with existing properties under their names are identified as second homes; There is no real estate under the name, including but not limited to the real estate registration network city, which belongs to the first suite; At present, most cities implement permanent residence, local residents can buy two suites, while foreign residents can only buy one property (residence) in the restricted purchase area;

The husband and wife will buy a second suite for any house in the family room under the other party's name, and the loan will be implemented simultaneously with the above-mentioned (second home mortgage) standard.

mortgage

In three cases, it is still defined as the first suite.

Houses on rural homestead; Buying a house in other cities, whether in individuals or families (either side), does not belong to the second suite;

In prefecture-level cities (including but not limited to townships and counties) outside the restricted purchase area, the full purchase of real estate is defined as the first suite in the city where the residence is located;

Commercial real estate (office, office building, store products, etc.). ) and live for the first time in accordance with the first set of purchase standards.

Relevant standards and norms still need to be implemented with reference to local real estate market policies!

Second, how much does it cost to transfer affordable housing five years later?

The land transfer fee is generally 10%, and Beijing has paid 70% of the deed tax.

3. What are the conditions for buying a house and applying for a commercial loan in Shanghai?

Shanghai hukou

Personal credit certificate

Personal income certificate (income is more than twice the monthly repayment amount)

4. What are the conditions for applying for commercial personal housing loan from Shanghai Bank?

The threshold for applying for personal housing commercial loans:

1. Self-raised funds for house purchase that meet the requirements of the loan handling bank of Shanghai Bank;

2. Have a stable economic income;

3. Agree to handle personal credit information and housing mortgage loans, and when the handling bank deems it necessary, agree to handle the notarization of relevant transaction contracts and loan contracts;

4. Other conditions stipulated by Shanghai Bank loan handling bank.